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Green – Residential

Our Green range has a maximum 90% LVR incl LMI (OO & INV) and caters for clean credit Full Doc Residential loans that meet the Helia lending guidelines. Residential SMSF available to 80% LVR. Altdoc loans are also available to 80%.

Key Features

  • Common sense Exit Strategies
  • Resi SMSF services inside & outside the fund.
  • Extensive Postcode coverage.
  • Can use Directors’ salaries only for servicing (conditions apply).

Cabernet – Residential

Cabernet offers a competitive range of full doc loans with variable and fixed rates for owner occupied and investors. The construction and SMSF loans are very popular with the latter offering a 100% Offset facility.

Key Features

  • 100% Offset optional – Var or Fixed.
  • Full Doc Loans to 90% incl LMI – Non Gen.
  • Construction Loans to 90% incl LMI – Var or Fixed
  • SMSF to 90% with 100% Offset (optional)
  • Security determines the rate – not the purpose.
  • Units from 40 sqm (living area).
  • Family Trusts or Unit Trusts
  • NDIS to 80% LVR (standard & SMSF)
  • NAF Option: Avoid annual fees by paying extra 0.10% on loan rate (excl construction & SMSF)

Vacant Land – Residential

The Vacant Land Loan offers you an easy way to purchase or refinance vacant land as the sole security, without the need to build on the land within a specified period.

SMSF Loan – Residential

Self Managed Super Fund loans are available to 80% LVR for both owner-Occupied or Investment commercial properties with terms up to 30 years.

Relocation | Bridging Loan – Residential

The Relocation Loan with $Nil End Debt offers you an easy way to purchase or build a new home, before you have sold your existing home. The 2 year term gives extra time to update the existing property (if required) without the stress. No servicing required – must include a purchase.

Full Doc Loan – Residential

Our range of full documentation loans caters for clean and impaired credit, ATO debts, business debts, cash out, consolidations, Expats, equity release and refinances.

Construction Loan – Residential

We offer residential construction loans to 80% LVR for houses and duplexes for both Altdoc or Full Doc clients.

Alt Doc Loan – Residential

The Altdoc Loan is a low documentation product suitable for those self employed borrowers wishing to obtain a loan without the requirement to provide the traditional proof of income documents. Max 90% LVR for purchases or 85% for refinances.